topic Re: First Premier Pre-Approval in Credit Card Applications

First Premier Pre-Approval

12njoy — Sat, 08 Aug 2015 03:59:30 GMT

I received a preapproved First Premier card application in the mail. Guaranteed $1,000 credit limit.

Re: First Premier Pre-Approval

Anonymous — Sat, 08 Aug 2015 04:27:39 GMT

Lucky you!! Finally in prime land, huh?

Re: First Premier Pre-Approval

12njoy — Sat, 08 Aug 2015 04:31:29 GMT

@Anonymous wrote:
Lucky you!! Finally in prime land, huh?

@Anonymous, I don't know if I should apply or not I have a 2014 Accord Sport and love it @3.9%

Re: First Premier Pre-Approval

ceejx — Sat, 08 Aug 2015 07:12:29 GMT

I think you should close all of your other cards and primarily use your First PREMIER... that's the strategy I'd take if I were that lucky.

Re: First Premier Pre-Approval

yoyo — Sat, 08 Aug 2015 18:04:05 GMT

is that First Premier Bank ..the sub-card that has crazy fee? I got a pre-approval $750 limit w/$150 in fees

Re: First Premier Pre-Approval

12njoy — Sat, 08 Aug 2015 18:09:50 GMT

@ceejx wrote:
I think you should close all of your other cards and primarily use your First PREMIER... that's the strategy I'd take if I were that lucky.

Good plan. Crédit one denied me on their prequalify site. Just wanted to see what would happen.

Re: First Premier Pre-Approval

12njoy — Sat, 08 Aug 2015 18:11:20 GMT

@yoyo wrote:
is that First Premier Bank ..the sub-card that has crazy fee? I got a pre-approval $750 limit w/$150 in fees

Yes one in the same

Re: First Premier Pre-Approval

Anonymous — Sun, 09 Aug 2015 00:02:35 GMT

I burned Credit One and First Premier back in 2007. They both hate me and don't send me preapproved garbage.

A blessing in disguse I tell you. LOL

@12njoy wrote:
@yoyo wrote:
is that First Premier Bank ..the sub-card that has crazy fee? I got a pre-approval $750 limit w/$150 in fees
Yes one in the same

Re: First Premier Pre-Approval

Anonymous — Sun, 09 Aug 2015 02:20:45 GMT

@12njoy wrote:
I received a preapproved First Premier card application in the mail. Guaranteed $1,000 credit limit.

That's prime out of this world. Pick it up before they rescind*

*Must be mentally insane to qualify, terms and restrictions apply.

Re: First Premier Pre-Approval

Anonymous — Sun, 09 Aug 2015 02:36:22 GMT

Where did I put that envelope? I know it was here... Been waiting to pull the trigger until I was sure my CK scores gave me an approval...Oh nooo! It's shredded all the Discover, Chase and AmEx ones...Oh forget it! I'm just going to cold app. Wish me luck!

Re: First Premier Pre-Approval

12njoy — Sun, 09 Aug 2015 02:45:46 GMT

Lol lol. What will I do wroth that whole $1,000 credit line. Oh wait, I forgot about the fees so my initial credit line is much lower. Decisions decisions

Re: First Premier Pre-Approval

Anonymous — Sun, 09 Aug 2015 02:50:34 GMT

@12njoy wrote:
Lol lol. What will I do wroth that whole $1,000 credit line. Oh wait, I forgot about the fees so my initial credit line is much lower. Decisions decisions

You could buy a twix. One for me, one for you. p.s. I like right twix.

Re: First Premier Pre-Approval

Anonymous — Sun, 09 Aug 2015 02:52:15 GMT

$1,000? Did I make a mistake? I got a SL of $100. With the AF and an immediate overlimit fee, I'm looking at a negative CL.

Re: First Premier Pre-Approval

Anonymous — Sun, 09 Aug 2015 02:53:35 GMT

@Anonymous wrote:
$1,000? Did I make a mistake? I got a SL of $100. With the AF and an immediate overlimit fee, I'm looking at a negative CL.

According to the CARD act, Your maximum first annual fee would be $25 with a $100 CL. This is primarily why they started offering $700 credit lines. So they could still get their $175.

Re: First Premier Pre-Approval

12njoy — Sun, 09 Aug 2015 03:00:24 GMT

@tuolumne,

Have a snickers. You're not yourself. Lol lol. I'll buy you one with my new line.

Re: First Premier Pre-Approval

Anonymous — Sun, 09 Aug 2015 03:01:16 GMT

@12njoy wrote:
@Anonymous,

Have a snickers. You're not yourself. Lol lol. I'll buy you one with my new line.

Much better!

Re: First Premier Pre-Approval

yoyo — Sun, 09 Aug 2015 03:01:44 GMT

Lol

Re: First Premier Pre-Approval

Anonymous — Sun, 09 Aug 2015 03:18:39 GMT

The fine print says if I make the minimum monthly payment, with the AF and monthly fees. I'll have it paid off in 2176.

Re: First Premier Pre-Approval

Anonymous — Sun, 09 Aug 2015 03:21:38 GMT

Now that's AAoA! Lookout 850s!

Re: First Premier Pre-Approval

Anonymous — Sun, 09 Aug 2015 03:25:33 GMT

@Anonymous wrote:
Now that's AAoA! Lookout 850s!

AAOA isn't everything. I have a 17 year AAoA and am hovering between high 740's and low 770's depending on the month. New accounts will do that to ya.